SOOOO.. my insurance is Blue Cross Blue Shield and they charge $500, if you don't get preauthorization for a hospital stay. I plan on giving birth at a Birth Center. When I first started going to the Birth Center for my prenatal care they checked with my insurer to make sure everything was covered (including L&D), and it is. I called this morning to get my preauthorization and they told me that my insurance doesn't cover L&D at a birth center. Then I got transferred. The next person told me the Birth Center I go to actually bills as a "freestanding surgical center," which IS covered by my insurance. I got put on hold and transferred about 1,000 times and was on the phone for 1.5 hours. I dealt with more stupidity then I even thought existed in the world. Why are these insurance companies so awful? Why doesn't anyone know how to do their job? Why did I have to explain 10 times to 10 different people that the "Birth Center" I'm going to IS covered by my insurance. THEY WORK FOR THE INSURANCE COMPANY, SHOULDN'T THEY KNOW THAT IT'S COVERED? X(
It all ended with me finally being preauthorized - and I hope that the incompetent jerk who did the preauthorization actually did it right. I have no faith now that anything is going to go smoothly and I'm so worried that I'll be slapped with a massive medical bill after I deliver, even though I've done everything I'm supposed to do.
Anyone else have nightmare insurance stories they'd like to share?